Method and system for direct carrier billing
AssigneeMastercard International Incorporated
InventorsKimberly Lewis PEYTON, Pablo FOUREZ
Life of this patent
Estimating the term…
Abstract
A method for processing a transaction, comprising: receiving, by an aggregator from a merchant, a transaction data signal electronically transmitted via a communication network; transmitting, by the aggregator to a mobile network operator (MNO), an authorization message; receiving, by the aggregator from the MNO, an approval transaction data signal; transmitting, by the aggregator to a payment network, a request message configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount; receiving, by the aggregator from the payment network, a VCN transaction data signal; and transmitting, to the payment network, a VCN message indicating the VCN initiation of a payment transaction.
Claims20
A method for processing a transaction, comprising:
- receiving, by an aggregator from a merchant, a transaction data signal electronically transmitted via a communication network, wherein the data signal is superimposed with a transaction request comprising a device identifier of a consumer mobile device affiliated with a consumer account and a transaction amount;
- transmitting, by the aggregator to a mobile network operator (MNO), an authorization message formatted based on one or more standards configured to indicate an authorization request for approval of the transaction request;
- receiving, by the aggregator from the MNO, an approval transaction data signal electronically transmitted via a communication network, wherein the data signal is superimposed with approval of the transaction request confirming the consumer account has enough available funding to complete the transaction;
- transmitting, by the aggregator to a payment network, a request message formatted based on one or more standards configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount;
- receiving, by the aggregator from the payment network, a VCN transaction data signal electronically transmitted via a communication network, wherein the data signal is superimposed with a VCN in response to the VCN request, wherein the VCN is associated with the MNO's transaction account;
- and
- transmitting, to the payment network, a VCN message formatted based on one or more standards configured to indicate the VCN initiation of a payment transaction.
A system for processing a transaction, comprising:
- a receiving device of an aggregator server configured to:
- receive, from a merchant, a transaction data signal electronically transmitted via a communication network, wherein the data signal is superimposed with a transaction request comprising a device identifier of a consumer mobile device affiliated with a consumer account and a transaction amount;
- and
- a transmitting device of the aggregator server configured to:
- transmit, to a mobile network operator (MNO), an authorization message formatted based on one or more standards configured to indicate an authorization request for approval of the transaction request;
- wherein the receiving device of the aggregator server is further configured to receive, from the MNO, an approval transaction data signal electronically transmitted via a communication network, wherein the data signal is superimposed with approval of the transaction request confirming the consumer account has enough available funding to complete the transaction,
- wherein the transmitting device of the aggregator server is further configured to transmit, to a payment network, a request message formatted based on one or more standards configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount,
- wherein the receiving device of the aggregator server is further configured to receive, from the payment network, a VCN transaction data signal electronically transmitted via a communication network, wherein the data signal is superimposed with a VCN in response to the VCN request, wherein the VCN is associated with the MNO's transaction account, and
- wherein the transmitting device of the aggregator server is further configured to transmit to the payment network, a VCN message formatted based on one or more standards configured to indicate the VCN initiation of a payment transaction.
Dependencies are inferred from the claim text.